{"id":381249,"date":"2026-02-03T10:57:01","date_gmt":"2026-02-03T09:57:01","guid":{"rendered":"https:\/\/www.afis.africa\/?p=381249"},"modified":"2026-02-03T15:37:55","modified_gmt":"2026-02-03T14:37:55","slug":"5eme-edition-du-barometre-de-lindustrie-financiere-africaine-croissance-rationalisee-rentabilite-et-cybersecurite-sont-au-coeur-des-priorites","status":"publish","type":"post","link":"https:\/\/www.afis.africa\/fr\/5eme-edition-du-barometre-de-lindustrie-financiere-africaine-croissance-rationalisee-rentabilite-et-cybersecurite-sont-au-coeur-des-priorites\/","title":{"rendered":"5\u00e8me \u00e9dition du Barom\u00e8tre de l’industrie financi\u00e8re africaine – \u00ab\u202fCroissance rationalis\u00e9e : rentabilit\u00e9 et cybers\u00e9curit\u00e9 sont au c\u0153ur des priorit\u00e9s.\u202f\u00bb"},"content":{"rendered":"\t\t
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\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tD\u00e9couvrez l\u2019int\u00e9gralit\u00e9 du Barom\u00e8tre<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Apr\u00e8s plusieurs ann\u00e9es d\u2019expansion soutenue et de transformation digitale acc\u00e9l\u00e9r\u00e9e, l\u2019industrie financi\u00e8re africaine est r\u00e9solument entr\u00e9e dans une phase de croissance rationalis\u00e9e. La 5\u1d49 \u00e9dition du Barom\u00e8tre de l\u2019Industrie Financi\u00e8re Africaine, r\u00e9alis\u00e9e par Deloitte et l\u2019Africa Financial Summit – AFIS, s\u2019appuie sur une enqu\u00eate conduite entre mai et septembre 2025 aupr\u00e8s de dirigeants de plus de 70 institutions (banques, assurances, fintechs, microfinance, march\u00e9s de capitaux) \u00e0 travers le continent.\u200b <\/span> <\/span><\/p>

Les r\u00e9sultats sont sans ambigu\u00eft\u00e9\u202f: le secteur revient aux fondamentaux et fait de la rentabilit\u00e9, de la cybers\u00e9curit\u00e9 et de l\u2019efficience op\u00e9rationnelle les nouveaux piliers de son mod\u00e8le de d\u00e9veloppement.\u200b <\/span> <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Une confiance au plus haut, dop\u00e9e par la d\u00e9sinflation <\/span><\/span> <\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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En 2025, les dirigeants \u00e9valuent \u00e0 8\/10\u202fla perspective \u00e9conomique de leur organisation \u00e0 trois ans, un chiffre en hausse de 0,72 point par rapport \u00e0 2024, avec\u202f74%\u202fd\u2019optimistes pour seulement\u202f4%\u202fde perceptions n\u00e9gatives. Cette confiance retrouv\u00e9e est port\u00e9e par le ralentissement de l\u2019inflation, une meilleure visibilit\u00e9 op\u00e9rationnelle et une dynamique commerciale soutenue. <\/span> <\/span><\/p>

Les institutions de microfinance affichent le niveau de confiance le plus \u00e9lev\u00e9 avec une note de\u202f9\/10, devant les compagnies d\u2019assurances (8,35\/10), tandis que les fintechs normalisent leurs anticipations dans les perspectives \u00e9conomiques \u00e0 8,33\/10 apr\u00e8s un pic \u00e0 9,25\/10 en 2024. Les groupes panafricains affichent un niveau de confiance fort (8,44\/10), alors que les acteurs internationaux (7,82\/10) et les acteurs des march\u00e9s de capitaux (7,5\/10) demeurent plus prudents dans un contexte de volatilit\u00e9 prolong\u00e9e. <\/span> <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t

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Le secteur financier africain est entr\u00e9 dans une phase de maturit\u00e9. La confiance est l\u00e0, les fondamentaux se renforcent et l\u2019int\u00e9gration continentale devient concr\u00e8te. Les d\u00e9fis qui subsistent, cybers\u00e9curit\u00e9, qualit\u00e9 et disponibilit\u00e9 de la donn\u00e9e, et interop\u00e9rabilit\u00e9 sont ceux d\u2019un \u00e9cosyst\u00e8me qui se construit et non qui se d\u00e9fend. La consolidation en cours pr\u00e9pare une croissance plus solide, plus durable et r\u00e9solument plus inclusive.<\/span><\/span><\/span><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t

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Ambroise Depouilly <\/strong><\/p>

Managing Partner Deloitte Afrique francophone<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Cap sur <\/span>la rentabilit\u00e9<\/span> et <\/span>l\u2019efficience <\/span><\/span>op\u00e9rationnelle<\/span><\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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En 2025, la\u202frentabilit\u00e9\u202fa \u00e9t\u00e9 la priorit\u00e9 strat\u00e9gique de\u202f46%\u202fdes institutions sond\u00e9es, signe d’une transition vers une phase de maturit\u00e9 apr\u00e8s plusieurs ann\u00e9es d’expansion soutenue. Trois leviers dominent d\u00e9sormais les plans de transformation\u202f: la performance financi\u00e8re (84%), l\u2019exp\u00e9rience client (85%) et la transformation digitale (81%), tous en progression par rapport \u00e0 2024. <\/span> <\/span><\/p>

Cette strat\u00e9gie se traduit par une am\u00e9lioration des fondamentaux\u202f: la marge nette d\u2019exploitation progresse pour\u202f69%\u202fdes acteurs, le Return on Equity (ROE) pour\u202f57%\u202fet le Return On Assets (ROA) pour 58%, malgr\u00e9 une pression persistante sur la qualit\u00e9 des actifs et les co\u00fbts du risque. L\u2019efficacit\u00e9 op\u00e9rationnelle marque un recul de 6 pts, avec 54 % des institutions d\u00e9clarant une am\u00e9lioration, illustrant la complexit\u00e9 croissante de la ma\u00eetrise des co\u00fbts (talents, technologie, conformit\u00e9) dans un contexte \u00e9conomique plus contraint. <\/span> <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Cybers\u00e9curit\u00e9\u202f:<\/span> <\/span>du<\/span> sujet technique<\/span> au<\/span> risque<\/span> syst\u00e9mique <\/span><\/span> <\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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58%\u202fdes institutions d\u00e9clarent un niveau d\u2019exposition \u00e9lev\u00e9 ou tr\u00e8s \u00e9lev\u00e9, devant les risques strat\u00e9giques et r\u00e9glementaires. En parall\u00e8le,\u202f51%\u202fplacent la cybers\u00e9curit\u00e9 parmi leurs principaux sujets de pr\u00e9occupation, contre 39% en 2024.\u200b <\/span> <\/span><\/p>

En mati\u00e8re d’\u00e9volutions r\u00e9glementaires souhait\u00e9es, la cybers\u00e9curit\u00e9 arrive en t\u00eate des attentes pour 97% des r\u00e9pondants, devant l\u2019identification num\u00e9rique (92%) et la lutte contre les flux illicites (87%, +18pts par rapport \u00e0 2024). Si 65% \u00e0 70% des institutions disposent d\u00e9j\u00e0 de dispositifs de pr\u00e9vention, d\u00e9tection et r\u00e9ponse pleinement op\u00e9rationnels, le Barom\u00e8tre met en lumi\u00e8re les investissements qu\u2019il reste \u00e0 faire dans le secteur : les investissements se sont \u00e0 ce stade concentr\u00e9 de mani\u00e8re massive sur la d\u00e9tection des attaques cyber, mais les capacit\u00e9s de rem\u00e9diation encore limit\u00e9es.\u200b Le passage de l\u2019identification en temps r\u00e9el \u00e0 la r\u00e9silience constitue le prochain d\u00e9fi. <\/span> <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t

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\u202fCe Barom\u00e8tre met en \u00e9vidence<\/span> un retour tr\u00e8s clair <\/span>aux fondamentaux de l\u2019industrie financi\u00e8re africaine. Face \u00e0 un environnement plus contraint, les dirigeants recentrent leurs priorit\u00e9s sur la performance financi\u00e8re et l\u2019efficience op\u00e9rationnelle, qui redeviennent les v\u00e9ritables boussoles strat\u00e9giques du secteur.\u202f<\/span><\/span><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t

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Fr\u00e9d\u00e9ric Maury <\/strong><\/p>

Deputy CEO Event Jeune Afrique Media Group<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Digital et IA\u202f: d\u2019un avantage comp\u00e9titif \u00e0 un pr\u00e9requis <\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span> <\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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54%\u202fdes institutions sond\u00e9es s\u2019estiment d\u00e9sormais digitalement matures, +6 points par rapport \u00e0 2024. Les fintechs restent \u00e0 l\u2019avant-garde (67% en position Leaders), mais ce sont les compagnies d\u2019assurance qui signent la progression la plus marquante, avec 59 % d\u2019acteurs en position avanc\u00e9e (12 % Leaders et 47 % Potentials), soit +19 points par rapport \u00e0 2024. <\/span> <\/span><\/p>

L\u2019intelligence artificielle\u202fest d\u2019abord vue comme un levier de ma\u00eetrise des risques\u202f:\u202f77%\u202fdes institutions anticipent un impact fort ou transformant de l\u2019IA sur la d\u00e9tection de fraude,\u202f70%\u202fsur l\u2019analyse de risque cr\u00e9dit, et\u202f70%\u202fsur l\u2019optimisation des processus op\u00e9rationnels. La personnalisation des offres (72%) et les chatbots (68%) compl\u00e8tent les principaux cas d\u2019usage, combinant efficacit\u00e9 op\u00e9rationnelle et conqu\u00eate commerciale.\u200b <\/span> <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Int\u00e9gration continentale : l’interop\u00e9rabilit\u00e9 s’acc\u00e9l\u00e8re, PAPSS confirme son potentiel<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span> <\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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PAPSS s’impose comme l’initiative d’int\u00e9gration continentale la plus op\u00e9rationnelle : 35% des institutions lui attribuent une op\u00e9rationnalit\u00e9 \u00e9lev\u00e9e (+15 pts vs 2024), avec des gains mesurables en co\u00fbts (25%) et en d\u00e9lais de r\u00e8glement (23%) pour les paiements intra-africains. <\/span> <\/span><\/p>

L’interop\u00e9rabilit\u00e9 des syst\u00e8mes de paiement est identifi\u00e9e comme la transformation prioritaire d’ici 2030 par 28% des r\u00e9pondants, port\u00e9e par l’ambition de d\u00e9cloisonner les 1,6 milliard de comptes (banque + mobile money combin\u00e9s).<\/span> <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Inclusion financi\u00e8re et ESG\u202f: d\u2019une logique d\u00e9clarative \u00e0 une approche pragmatique <\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span> <\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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L\u2019inclusion financi\u00e8re\u202fn\u2019est un pilier strat\u00e9gique que pour\u202f39%\u202fdes institutions, port\u00e9e par les institutions de microfinance (100%) et les fintechs (67%), tandis que les compagnies d\u2019assurances se repositionnent fortement sur les segments sous-p\u00e9n\u00e9tr\u00e9s, notamment via les partenariats avec les op\u00e9rateurs t\u00e9l\u00e9coms et les institutions de microfinance. <\/span> <\/span><\/p>

Concernant l\u2019ESG, le Barom\u00e8tre fait appara\u00eetre une\u202fphase d\u2019engagement pragmatique\u202f: l\u2019investissement \u00e0 impact reste la dimension la plus structur\u00e9e (66%\u202fd\u2019engagement), tandis que l\u2019int\u00e9gration des crit\u00e8res ESG recule \u00e0\u202f57%\u202fet que les institutions concentrent leurs efforts sur les volets \u00e0 impact rapidement mesurable. La parit\u00e9 progresse nettement, avec\u202f47%\u202fdes institutions ayant d\u00e9j\u00e0 d\u00e9ploy\u00e9 des politiques de parit\u00e9 dans les \u00e9quipes et\u202f44%\u202fun reporting d\u00e9di\u00e9 aux indicateurs genre. <\/span> <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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des dirigeants affichent une confiance dans les perspectives \u00e9conomiques.<\/div>\t\t\t
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placent la cybers\u00e9curit\u00e9 parmi leurs principaux sujets de pr\u00e9occupation.<\/div>\t\t\t
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anticipent un impact important de l'IA sur la d\u00e9tection de fraude.<\/div>\t\t\t
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des institutions sond\u00e9es font de la rentabilit\u00e9 leur priorit\u00e9 strat\u00e9gique.<\/div>\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tD\u00e9couvrez l\u2019int\u00e9gralit\u00e9 du Barom\u00e8tre<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

D\u00e9couvrez l\u2019int\u00e9gralit\u00e9 du Barom\u00e8tre Apr\u00e8s plusieurs ann\u00e9es d\u2019expansion soutenue et de transformation digitale acc\u00e9l\u00e9r\u00e9e, l\u2019industrie financi\u00e8re africaine est r\u00e9solument entr\u00e9e dans une phase de croissance rationalis\u00e9e. La 5\u1d49 \u00e9dition du Barom\u00e8tre de l\u2019Industrie Financi\u00e8re Africaine, r\u00e9alis\u00e9e par Deloitte et l\u2019Africa Financial Summit – AFIS, s\u2019appuie sur une enqu\u00eate conduite entre mai et septembre 2025 aupr\u00e8s […]<\/p>\n","protected":false},"author":5,"featured_media":381229,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[90],"tags":[],"class_list":["post-381249","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-barometer"],"acf":[],"yoast_head":"\n5\u00e8me \u00e9dition du Barom\u00e8tre de l'industrie financi\u00e8re africaine - \u00ab\u202fCroissance rationalis\u00e9e : rentabilit\u00e9 et cybers\u00e9curit\u00e9 sont au c\u0153ur des priorit\u00e9s.\u202f\u00bb - The African Financial Summit Platform<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.afis.africa\/en\/5th-edition-of-the-african-financial-industry-barometer-profitability-and-cybersecurity-at-the-heart-of-priorities\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5\u00e8me \u00e9dition du Barom\u00e8tre de l'industrie financi\u00e8re africaine - \u00ab\u202fCroissance rationalis\u00e9e : rentabilit\u00e9 et cybers\u00e9curit\u00e9 sont au c\u0153ur des priorit\u00e9s.\u202f\u00bb - The African Financial Summit Platform\" \/>\n<meta property=\"og:description\" content=\"D\u00e9couvrez l\u2019int\u00e9gralit\u00e9 du Barom\u00e8tre Apr\u00e8s plusieurs ann\u00e9es d\u2019expansion soutenue et de transformation digitale acc\u00e9l\u00e9r\u00e9e, l\u2019industrie financi\u00e8re africaine est r\u00e9solument entr\u00e9e dans une phase de croissance rationalis\u00e9e. 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